I need to be here more now than ever
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I need to be here more now than ever
| Sat, 01-01-2005 - 1:30pm |
Our financial situation is horrible.
| Sat, 01-01-2005 - 1:30pm |
Our financial situation is horrible.
Hi and Welcome! I'm sure you'll find lots of tips here to help you on your way to becoming debt-free. I'm still learning myself. I just found this group in early December, but the tips and encouragement I've found here have helped soooo much.
It sounds like you already have a goal in place for your family finances, which is wonderful. You say you would like to lower your debt load in the hopes of taking a nice family vacation when your husband returns from his deployment, and I think that's a great motivator to work on your bills. Do you have a place in mind for your vacation? Somewhere you've dreamed of taking the kids? If so, maybe find some pictures and hang them up somewhere (on the fridge, inside a bathroom cabinet, etc) where you will see it often, and that way you can stay focused on your goal.
Good Luck!
Pat
Hi Pat,
Thanks for your response.
I know it is all hard to take in right now, but at least you know where you stand with it all. Yep, the answer might actually be 'knee-deep', lol, but at least you have a place to start from.
I know the last couple of years have been tough on you guys, but maybe this will be the chance you need to dig out from under! I know that you do the snowflaking challenge, so maybe that will help.
The only thing I can think of to say is,"It's a new year, and we can all begin again. Yay!" :) Have you sat down and put all the totals down on paper in order for the new year? And have you also figured out what will happen when your DH gets deployed later this year? It will have some effect on the finances, I'm sure-whether good or bad, I don't know.
Hang in there girl-eat the elephant one bite at a time, and don't lose hope!
~Lisa
Michelle, I don't know if you have already or not, but you might want to set up a seperate checking account for when your DH deploys. My DH hasn't deployed in six years, but the hardest thing was him having to call and ask if he could get some money from the account for the PX etc. Set up another account and transfer money to it regularly and he can draw on that. That way, you know exactly how much is going out and he doesn't have to find a way to communicate to you how much he took out. If he doesn't spend it all, great. When he returns you can use the extra money for your vacation. And no risk of bounced checks.
Sounds like you are doing everything possible and being a MW, I understand our husband's aren't paid nearly what they deserve for the job they do and we as the MWs have to make ends meet the best way we can.
Good luck.
Kellie
Hi Lisa,
Thanks for your response.
Hi Kellie,
Thanks for the response.